If you only signed the Proof of Loss form, you should be able to reopen a denied claim and appeal the insurer’s decision. The Proof of Loss form is the document in which you wrote down all of your items stolen due to theft or that were damaged or lost in a natural disaster. Along with the description of the item, you also had to list the monetary value of those damages in order to make your claim. Although a Proof of Loss form is a sworn statement made by you, it is not a release. It is a statement to show that you did suffer damages and losses due to the natural disaster.
If you were sent a denial letter and told that you cannot reopen your denied insurance claim, you most likely have received bad information from an insurance adjuster acting in bad faith. Or, if the word “release” was inserted into the title, text, or signature line on the Proof of Loss form, your insurance company is most likely using deceptive practices.
It is important for you to know that insurance companies want to settle insurance claims for the least amount of money as possible, which is why they sometimes deny claims unfairly—giving you poor excuses and hoping you don’t call back.
If you believe your insurance company is misleading, acting in bad faith, and/or using deceptive practices, we may be able to help you appeal their decision and get your claim reopen. Call the Voss Law Firm to speak with an experienced Texas insurance litigation attorney at 888-614-7730 for a free consultation.